As a sports instructor, your clients trust you to deliver the goodies, as promised. The results may vary based on your clients’ fitness level and their innate kinetic skills. However, most people who’ve undertaken formal training for a specific sport eventually develop high-level skills that qualify them to play in championships or street ball challenges. Nevertheless, buying sports instructor insurance before you market your training course is always a good idea. Moreover, you could look at it as a kind of business investment to protect you from future liabilities and to provide for you a financial fallback in case you’d need to replace damaged equipment.
Sports instructor insurance is available to any trainer or coach who runs an independent training program that enhances the athletic skills of both amateur and professional athletes. These sports instructors may be teaching their students through one-on-one training or through group sessions for team sports. Aside from coverage for injuries and property damages, professional liability insurance for sports instructors will also provide liability protection from errors and omissions committed during training and financial protection to replace damaged equipment and repair damaged areas of the sports facility.
Professional trainers or instructors eligible for sports instructor insurance must be teaching classes in any of the following sports:
- Baseball
- Basketball
- Football
- Hockey
- Lacrosse
- Soccer
- Softball
- Bowling
- Baton Twirling
- Cheerleading
- Fencing
- Figure Skating
- Golf
- Racquetball
- Swimming
- Table Tennis
- Tennis
- Track & Field
- Volleyball
- WrestlingMost instructors employed by a college or university may already have had professional insurance included in their employment benefits. Similarly, sports and fitness trainers allied with gyms and other sports facilities may already be covered under the gym’s insurance policy. Moreover, instructors for surfing, scuba diving, skiing, diving, and kayaking are not eligible for sports instructor insurance because their chosen sports involve high risks to the students.